Terms & Conditions

Terms & Conditions of Use

This Web site, owned and operated by State Automobile Mutual Insurance Company (hereafter “State Auto”), is offered to you conditioned on your acceptance without modification of all the terms, conditions, and notices contained herein. Use of the content, services, and/or products presented in any and all areas of this site constitutes your agreement to abide by the following terms and conditions and those posted in specific areas of the site.

Any rights not expressly granted herein are reserved.

Copyright and Trademark Notices

Except as otherwise indicated, all contents of this Web site are the copyrighted property of State Auto, 518 E. Broad Street, Columbus, Ohio, USA, its affiliated companies or other third parties. The State Auto logo, STATE AUTO, and the names of other products and services referenced herein are service marks or registered service marks of State Auto or one of its affiliates.

This Web site is for your personal, noncommercial use only. If you download any materials or information, you must keep all copyright and other notices intact. The right to use the materials or information is not transferable to any other person or entity. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, or other content, software, products or services obtained from this Web site without the prior written consent of State Auto. In addition, the information may not be taken out of context or presented in an unfair, misleading or discriminatory manner. If you are interested in licensing content, or providing links from other Web sites, please contact us at Webmaster@stateauto.com.

Restricted Web Sites

Some portions of the State Auto Web site are restricted and require authorization for access. Unauthorized use of or access to these areas is strictly prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution.

If you are an authorized user of any restricted areas you are responsible for maintaining the confidentiality and security of your password. If you believe someone else has obtained your password or believe any unauthorized activity has occurred, please contact State Auto immediately.

Links to Third-Party Web Sites

This Web site may contain links to Internet sites maintained by third parties. State Auto does not operate or control in any respect any information, products or services on such third-party sites. Third-party links are included solely for your convenience and do not constitute any endorsement by State Auto and/or it affiliates. You assume sole responsibility for use of third-party links and disclaimers set forth herein are equally applicable to such third-party sites.

DISCLAIMER

ALL MATERIALS AND INFORMATION IN THIS SITE AND THIRD-PARTY SITES TO WHICH IT LINKS ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. THE CONTENT PUBLISHED ON THIS WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. STATE AUTO, ITS AFFILIATES AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS OR WARRANTIES AND, TO THE FULLEST EXTENT ALLOWED BY LAW, DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE REGARDING THE SUITABILITY OF THE INFORMATION; THE ACCURACY, RELIABILITY, COMPLETENESS OR TIMELINESS OF THE CONTENT, SERVICES, PRODUCTS TEXT, GRAPHICS, LINKS OR OTHER ITEMS CONTAINED WITHIN THIS SITE, OR THE RESULTS OBTAINED FROM ACCESSING AND USING THIS SITE AND/OR THE CONTENT CONTAINED HEREIN. STATE AUTO DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE, INCLUDING FORUMS OR THE SERVER THAT MAKES IT AVAILABLE, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

INDEMNITY/LIMITATION OF LIABILITY

UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, SHALL STATE AUTO OR ITS AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE ABILITY TO USE THE WEB SITE AND THE MATERIALS OR INFORMATION CONTAINED HEREIN. YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT STATE AUTO IS NOT LIABLE FOR ANY CONDUCT RELATED TO YOUR USE OF THE WEB SITE.

AS A CONDITION OF USE OF THIS WEB SITE, YOU AGREE TO INDEMNIFY STATE AUTO, ITS AFFILIATES, AGENTS OR SUPPLIERS FROM AND AGAINST ANY AND ALL LIABILITIES, EXPENSES (INCLUDING ATTORNEYS’ FEES) AND DAMAGES ARISING OUT OF CLAIMS RESULTING FROM YOUR USE OF THIS WEB SITE, INCLUDING WITHOUT LIMITATION ANY CLAIMS ALLEGING FACTS THAT, IF TRUE, WOULD CONSTITUTE A BREACH BY YOU OF THESE TERMS AND CONDITIONS. IF YOU ARE DISSATISFIED WITH ANY STATE AUTO MATERIAL OR INFORMATION, OR WITH ANY OF STATE AUTO’S TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE STATE AUTO WEB SITE.

Online Claims Submission

If you are a State Auto customer, you may elect to report an insurance claim online. Submitting a claim online does not commit State Auto to coverage for the loss. Information you provide concerning your insurance policy and your loss is subject to review and verification. State Auto reserves the right to request additional information and investigate the circumstances of the loss prior to making a decision on the loss. A State Auto claims associate will contact you regarding your loss. Regardless of the information provided in your online claim report, all policy provisions continue to apply and remain in effect. If you have any questions concerning the coverage under your policy please contact your State Auto agent.

Changes

The content of this Web site and these Terms and Conditions are subject to change at any time without prior notice.

Applicable Law/Severability

These Terms and Conditions shall be governed by and interpreted according to the laws of the State of Ohio without regard to any conflict of laws provision. If any portion of these Terms and Conditions is unlawful, void or unenforceable, it shall not affect the validity or enforceability of any other provision.